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Secure your dream home from anywhere in the world
Expat Mortgages UK
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Finding a mortgage while living abroad can feel overwhelming
If you’re a British expat looking to buy or remortgage a property in the UK, you might be struggling to find the right mortgage. Different lending criteria, proof of income requirements, and international financial considerations can make the process seem complicated.
But it doesn’t have to be.
We make expat mortgages simple and stress-free
At Pinetree Capital, we specialize in helping UK expats and foreign nationals secure mortgages with ease. Whether you’re buying a family home, investing in a rental property, or refinancing, our expert mortgage advisors provide tailored solutions that fit your unique situation.
How it works
Your mortgage, made simple
Step 1
Free consultation
Tell us about your property goals and financial situation.
Step 2
Tailored mortgage options
We find lenders who match your needs and offer competitive rates.
Step 3
Application and approval
We handle paperwork, liaise with lenders, and streamline the approval process.
Step 4
Completion and beyond
Get expert support even after securing your mortgage.
How it works
Your mortgage, made simple
Step 1
Free consultation
Tell us about your property goals and financial situation.
Step 2
Tailored mortgage options
We find lenders who match your needs and offer competitive rates.
Step 3
Application and approval
We handle paperwork, liaise with lenders, and streamline the approval process.
Step 4
Completion and beyond
Get expert support even after securing your mortgage.
What is an Expat Mortgage?
An expat mortgage is a loan designed for British expatriates living abroad who want to purchase or refinance property in the UK. Whether you’re planning to return to the UK or simply investing in property, an expat mortgage gives you access to UK mortgage rates and lending terms without needing to reside in the country.
Why choose an expat mortgage?
Secure a UK home while living abroad
Investment opportunities in the UK property market
Access competitive mortgage rates not available in your host country
Flexible financing solutions for buy-to-let and residential properties
Who can apply for an expat mortgage?
Expat mortgages are available to UK citizens who currently live or work abroad. Whether you’ve just moved overseas or have been away for years, you can still qualify for a mortgage if you meet the lender’s requirements, which typically include:
A steady income from employment or investments
A good credit record
Proof of residence in your current country
Foreign national mortgages
Expat mortgages are available to UK citizens who currently live or work abroad.
Whether you’ve just moved overseas or have been away for years, you can still qualify for a mortgage if you meet the lender’s requirements, which typically include:
A larger deposit for buy-to-let purchases
Proof of residency if you plan to live in the UK
Higher interest rates in some cases
The costs of an expat mortgage vary by lender but typically include:
Arrangement fees
Charged by the lender for setting up your mortgage
Valuation fees
Covers the cost of assessing the property’s value
Legal fees
Includes conveyancing and legal documentation
Deposit
Typically 20-30% of the purchase price
International credit report
Some lenders require this for applicants living abroad
Your borrowing power depends on several factors, including your income, credit history, and property type. Most expat mortgage lenders offer loans of 70-80% of the property’s value.
Contact our team for a free mortgage assessment and find out how much you can borrow.
Types of properties
Residential homes
Buy a home for personal use, even while living abroad.
Buy-to-Let investments
Generate rental income by investing in UK property.
Holiday homes
Purchase a second home in the UK for personal vacations or rental income.
HMO and student lets
Ideal for expats looking for higher rental yields.
Expat Mortgages vs. Foreign National Mortgages
Expat Mortgages
(For UK citizens living abroad)
Available to UK nationals who have relocated overseas
Commonly used for buy-to-let investments but can be switched to residential if returning to the UK
Offered by UK lenders and some international banks
Foreign National Mortgages
(For Non-UK citizens)
Available for non-UK citizens wanting to buy property in the UK
Can be on a buy-to-let or residential basis
Typically requires a larger deposit or higher interest rate
How to get the best deal on an expat mortgage
Compare lenders
Ensure sufficient funds
Understand Tax Implications
Compare lenders
Ensure Sufficient Funds
Understand Tax Implications
Expat Buy-to-Let Mortgages
Invest in UK property from abroad
An Expat Buy-to-Let Mortgage allows UK nationals living abroad to purchase rental properties in the UK. While the criteria are similar to standard buy-to-let mortgages, lenders may require a larger deposit or higher interest rate.
Steady rental income
Earn passive income from tenants.
long-term growth
UK property values historically appreciate over time.
Portfolio expansion
Build wealth through strategic property investments.
Why Choose Pinetree Capital ?
Your trusted Expat Mortgage Broker
01
Access to 170+ lenders
Including UK, European, and offshore banks.
02
Specialist expat mortgage solution
We understand the unique challenges of expats.
03
Tailored solutions for any situation
Whether you’re self-employed, recently moved abroad, or a first-time buyer, we can help.
04
Fast and efficient mortgage process
Let us handle the paperwork while you focus on your investment.
Take the next step
Secure the right property finance with expert support, fast approvals, and tailored solutions.
Ready to secure the right property finance solution?
Get a personal consultation from a finance expert
Ready to secure the right property finance solution?
Ready to take the next step?
Contact us today to explore your options!
